cibil

I recently replaced my SBI credit card. Received a new card with new number. But Today when I checked my CIBIL report the card is marked as closed. I am not able to understand this. Is this normal or some mistake from SBI side?

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by how many points cibil score comes down while applying new credit card. I have applied for 3 cards in Sep 2025 ( 2 co branded cards of HDFC within infinia ony & ICICI EPM) . before that for last 2 years not applied .

Hello, on 4th March2025 I applied the pinnacle credit card from indusind bank the application declined and agent is saying application declined by hunter and again on 18june2025 I applied celesta card and card application declined showing hunter error as attached and my present working...

Hey Fam! I got Tiger CC in June, and Indusind bank screwed my CIBIl by reporting salary as 12Cr. Upon following escalation matrix, my query is stuck with Nodal officer from more than 2 months. After 1 month they closed the ticket stating it's updated but it wasn't I reopened, after 1 month...

what is the eligibility of these cards ? he hasn't filed ITR and his income does vary , any sure shot way to get either of these ?

I have amazon pay later in my CIBIL showing as consumer loan and i also have two credit cards , does amazon pay later showing as Consumer loan is good for credit mix ? does that negatively impact credit score

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all. Here’s my situation: Took a car loan last year, have been paying all EMIs on time without a single miss. Credit card usage always kept below 30% of...

Hello Fellas, Need some guidance for RBL CC issuance delay. Sharing my recent RBL Bank ShopRite credit card experience for community insights: 23 June 2025: Applied for RBL ShopRite card online and completed Video KYC. 23 June 2025: First hard CIBIL enquiry made. 6 July 2025: Escalated to RBL...

Hi TF folks, Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals. I applied for this card recently on behalf of a friend with: CIBIL score: 777 Monthly income: ₹1.6 lakh (salaried) 2+ years credit age, holding credit cards with decent limits Still, it...

I have multiple ICICI cards (Coral, Sapphiro, and Amazon Pay). In CIBIL, two accounts are shown. I receive two statements - one combined statement for Coral and Sapphiro, and another separate statement for Amazon Pay. Coral is my first credit card and it is paid, can I cancel it and keep only...

Hi, I recently got SBI PhonePe card with limit of 1.29L. I want to apply a SBI core credit card. On sbi netbanking and yono app, some cards are preapproved for me. My question is if I apply via pre-approved offer on net banking or yono app, will there be any cibil inquiry as I already crossed 29...

We see today how many banks just issue us a credit on the same shared limit with another card we have of them. THEY DON'T SANCTION ANOTHER LIMIT. Then why do they show as two separate entries in cibil making us overleveraged? This doesn't make sense. Afaik RBI also doesn't have any guideline...

Today I noticed something interesting with CIBIL score. I have CIBIL subscription and it shows my score on app as 801. I was exploring a few options for Home loan & went to Bank of India for inquiry. They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

I was a holder of the Axis Bank Neo Credit Card I successfully upgraded this card to an Axis Bank Visa Credit Card previously The annual fee for the old Neo card, which was charged, was correctly reversed as part of the upgrade process, as visible on the final statement for that account.and in...

Hi CC Experts, Need your help to understand one situation. I raised a concern to CIBIL about less CIBIL score later I have come to know one issue about my report in the official mail reply. CIBIL team stated that the SBI card which I have closed in the year 2018 reported until 2024 which lead to...

I have cibil lower than 700 due to a theft in 2011 (FIR available). and a high income. only Bob and icici gave me a card in last 4 years after submitting FIR and salary slips. Tried Amez and hdfc but no luck. are there any other banks who can provide card on c2c basis. no missed payment in last...

Hello folks. Yesterday I applied SBI simplyclick card from sbi bank website. As I have closed my sbi card recently so wasn't able to apply on sprint. On SBI website I filled all the details and lastly clicked on get instant decision. I got msg "thank you for applying. Our representatives will...